The case concerned guarantees on subsidized home loans to large and disadvantaged families under a system introduced by the government in 2001, prior to Hungary joining the European Union. The case was brought by OTP Bank, Hungaryʼs largest commercial lender, against the state after it terminated the payment of guarantees on the grounds that it was illegal state aid according to EU rules.

The case sought to resolve whether the guarantees were compatible with internal market rules and, if they were incompatible, what remedies were available for any damage suffered by the concerned parties.